Self-Employed? Qualify for a Mortgage Using Bank Statements
Bank statement mortgage loans designed for self-employed borrowers who earn strong income but write it off on taxes. We qualify you using deposits and cash flow—not tax returns.
Why Work With Parish Lending
I’m a small business owner myself. I understand how legitimate deductions, depreciation, and write-offs can destroy borrowing power on paper—even when cash flow is strong. I specialize in Non-QM mortgage programs that look at the full financial picture, not just what shows up on tax returns.
Check Eligibility in 2 Minutes
Answer a few quick questions so we can confirm whether a bank statement mortgage makes sense for your situation.
Who Benefits from a Bank Statement Mortgage?
- Self-employed borrowers whose tax returns don’t reflect true income
- Small business owners, entrepreneurs, and 1099 contractors
- Borrowers with strong deposits but aggressive write-offs
- Investors purchasing personally (non-DSCR scenarios)
How Bank Statement Loans Work
- Cash Flow Review: 12–24 months of personal or business bank statements
- Income Calculation: Deposits averaged with an expense factor
- No Tax Returns Required: Ideal for self-employed and 1099 income
- Occupancy Options: Primary, second home, or select investment properties
Key Features & Benefits
- Qualify using real cash flow
- Designed for self-employed borrowers
- Flexible Non-QM underwriting
- Competitive options across lenders
Ready to use your real income?
If traditional lenders said no, a bank statement loan may finally give you real options.
